You built a growing business.
Are your finances keeping up?

Waypoint Faro brings 15 years of experience from large consultancies and corporates to small business owners. I work directly with small business owners as a trusted finance partner that helps them understand the numbers, make confident decisions, and plan for financial success.

Book a Free Consultation See If This Is For You
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15+
Years of Experience
Big 4
PwC · 10 Years
Direct
You work with me
Flexible
Project · Retainer · Fractional

The business owners I work with are great at what they do but feel confused or left behind on the financial side. My clients are seeking a trusted financial partner who speaks their language and can show up with a clear plan.

Sound Familiar?

These are some of the common challenges my clients face.

Cash Flow Mystery

Revenue looks strong but the bank account tells a completely different story.

Growth Without Profit

We're busier than ever but my profitability hasn't changed.

No Financial Roadmap

I know where I want the business to go but I don't know how to get there.

Owner Pay Uncertainty

How much can I actually pay myself without putting the business at risk?

Operational Drag

We're ready to grow, but I feel like I'm running the day-to-day instead of building for the future.

The Accountant Gap

My accountant handles the taxes but no one's actually helping me plan for success.

If any of these resonate, you're in the right place. These problems are fixable with the right business partner.

Let's Talk
Aaron's work at Waypoint Faro has been truly transformative for my group practice. He brings a deep understanding of both the financial landscape and unique dynamics of my practice, translating that knowledge into clear, actionable strategy. His ability to integrate the complexities and nuances of healthcare into his financial approach made his guidance exceptionally relevant and impactful.

Through his financial planning, budgeting, and cash flow management, I went from operating with financial uncertainty to having a clearer and more confident picture of the financial health of my business. Aaron's work resulted in increased profitability and improved cash flow, allowing me to gain a level of clarity and control over my financial structure that I didn't think was possible. I recommend Aaron without hesitation.
Dr. Cecilia M Duarte
C. Duarte & Associates
Engagement Options

How we can work together

My engagements follow a natural sequence that is built around your needs. The process is intentional. A budget is only as good as the numbers behind it and a CFO needs a solid plan to assess performance.

01
Fixed Fee · 2–4 Weeks

Financial Diagnostic & Health Check

An honest look underneath the hood. I review your financial records from the ground up, verifying what the books actually say, identifying errors, and delivering a clear picture of where the business really stands. Everything is in plain English so you can act on it immediately.

See what's included →

What's included

  • Balance sheet corroboration against available third-party documents
  • Month-by-month P&L review, covering classification, variances, and anomalies explained
  • Correcting journal entries schedule for your bookkeeper
  • Statement of cash flows, showing where the money actually went
  • Financial health scorecard with key metrics and plain-English interpretation
  • Financial Diagnostic Report, a branded presentation with findings and recommended actions
  • 60-minute delivery walkthrough call
  • Starting at $2,500
← Back
02
Fixed Fee · 4–6 Weeks

Financial Plan & Budget Build

A forward-looking financial plan built with you, not just for you. We work through your revenue drivers, cost structure, and goals together and turn that into a working model you can monitor and use to make decisions. Available in two tiers depending on the depth your business needs.

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What's included

  • Tier 1 — Foundational
  • Annual P&L budget with prior year actuals, current year budget, and variance analysis
  • Monthly phasing formatted for QBO / Xero upload
  • Annual statement of cash flows
  • Assumptions register
  • Delivery walkthrough call
  • Tier 2 — Strategic · adds
  • Detailed revenue model with togglable inputs
  • Payroll analysis with headcount-based cost modelling
  • Monthly cash flow statement and balance sheet projection
  • Up to 3 scenario analyses
  • Budget Presentation (PowerPoint) with 90-minute delivery call
  • Starting at $2,500
← Back
03
Monthly Retainer

Ongoing Fractional CFO

A senior finance partner embedded in your business to handle the books, monitor performance, maintain a forward-looking cash view, and advise on the decisions that matter. One person covering the finance function end to end, without the cost of a full-time hire.

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What's included

  • Bookkeeping and month-end close
  • Monthly finance pack with P&L, cash position, and variance commentary in plain English
  • Three-way reporting once a budget is in place: actuals vs budget vs prior year
  • Rolling forecast with year-to-date actuals plus projection to year end
  • Monthly finance meeting, 60 to 90 minutes
  • On-call advisory for business decisions throughout the month
  • Starting at $3,500 / month · Minimum 3-month commitment
← Back
04
Hourly or Project Basis

Ad Hoc Finance Consulting

Targeted support for a specific question, model, or decision. Use this option when you need senior financial thinking without a retainer commitment. Engaged for the project, focused on the outcome.

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What's included

  • Financial modelling including scenario analysis, business cases, and pricing models
  • Business valuation and transaction support
  • Reporting design and process optimisation
  • One-off financial analysis and strategic decision support
  • $200 / hour
← Back

Not sure which option fits?

Book a Free Consultation
The Process

Simple. No surprises.

No lengthy proposals or discovery. I prefer an honest conversation and a clear path forward.

01

Free Consultation

A no-obligation 30-minute call. You walk me through what's on your mind, where you're stuck, and what you want to achieve. I'll ask direct questions and tell you honestly whether and how I can help.

02

Scoped Engagement

I put together an engagement that fits your situation and budget. A clear scope with defined deliverables.

03

Clarity & Momentum

My goal is to leave you with a clearer understanding of your business, so the next decision is easier than the last.

About

A finance partner who speaks your language

I have fifteen years of finance and accounting experience. Most of my career was at PwC working across audit, forensic investigations, and consulting. My clients were large organisations with dedicated finance teams, advisory boards, and external advisors. Small businesses rarely have this level of support. That gap always bothered me.

Small and mid-sized businesses face real financial challenges but rarely have the support and financial expertise to move through them effectively. Waypoint Faro exists to fix that.

On a personal note, I spent the last ten years in Australia before recently returning to the States. I am currently living and working nomadically, which shapes how I operate: lean, remote-first, and focused on outcomes rather than office hours. My clients get the same quality of thinking regardless of where I am.

Aaron Gray
Aaron Gray
Finance Consultant & Fractional CFO
Based In
United States (remote)
Availability
Part-time & Project Engagements
Tools
Excel   Xero   QuickBooks   PowerBI
Professional Experience

Background & Experience

Lehigh University
B.S. Accounting
PricewaterhouseCoopers
Forensic Investigations · Audit · Management Consulting — New York & Sydney

I started my career at PwC New York in 2011, one of the most demanding training grounds in professional finance and accounting. While in New York, I worked in forensic investigations and audit. After five years I relocated to the Sydney office, where I spent another five years continuing my career in audit before jumping to management consulting. My clients included large professional services firms, manufacturers, retailers, and agricultural businesses where understanding the nature of the business and its industry were just as important as the numbers themselves.

Grant Thornton
Finance Business Partner — Sydney

As Finance Business Partner for the consulting practice, I sat inside a growing professional services business and owned the financial reporting function end-to-end. Reporting directly to the consulting partners, I was responsible for delivering ongoing financial analysis and insights to the business including monthly finance presentations. This type of work is similar to the services I provide my clients at Waypoint Faro.

BridgeClimb Sydney
Senior Finance & Reporting Analyst — reported to CEO & Group CFO

As Senior Finance and Reporting Analyst I reported directly to the CEO and Group CFO of one of Sydney's most iconic tourism businesses. This role shaped how I think about executive-level financial communication — clear, visual, and strategic.

Waypoint Faro LLC
Principal & Fractional CFO · Founded 2026

Small and mid-sized businesses are the backbone of our economy yet rarely have access to quality financial support that large organizations have readily available. Waypoint Faro exists to close that gap by bringing a senior finance capability directly to the small and mid-sized business owners who are ready to go beyond bookkeeping and tax compliance, and serious about building a financially intelligent business.

Corporate Finance Institute
FP&A Professional & FMVA Certifications — In Progress
Book a Free Consultation →
Philosophy & Ways of Working

How I think. How I show up.

Finance is a powerful tool when it's clear, actionable, and built around your goals. Here's how I approach every engagement.

I.

Finance as a tool, not a burden

Numbers exist to help you make informed decisions. If yours are leaving you anxious and confused, I want to help.

II.

Clarity is the deliverable

Every finding, report, and recommendation should be something you can read, understand, and act on without a finance degree to decode it. If it isn't, I haven't done my job.

III.

I come with a point of view

I don't present data and leave you to figure out what it means. I come prepared with a perspective and a clear recommendation. You hired me to tell you what I think and I will.

IV.

You work directly with me

No account managers or junior staff. When you engage Waypoint Faro, you get Aaron on every call, deliverable, and question.

V.

Build capability, not dependency

A successful engagement leaves you with a stronger grasp of your business finances than when we started. The goal isn't to make you reliant on me but to become a partner who grows with your business as it evolves.

My Approach & Style

Honest & Direct

If I'm not the right fit, I'll say so. If the numbers tell a difficult story, we face it together.

Outcome-Focused

I'm not paid for activity. I'm engaged for results. Clear financials, confident decisions, real progress.

Flexible by Design

Engagements are built around your needs, not a template. Project, retainer, or ad hoc, you choose.

Always Prepared

I do the work before our conversations so your time is spent making decisions, not catching up.

Schedule a Call

Ready to take control of your finances?

Book a free 30-minute call. Let's have an honest conversation about your business and its finances. No pitch, no pressure.

Strategic Partnership

Money is personal.
We treat it that way.

For most small business owners, the business isn't just a source of income. It can be your livelihood, identity, and often your biggest source of stress. The financial challenges you face rarely exist in isolation from the personal ones.

A business owner navigating a cash flow problem, a major hiring decision, or a strategic pivot isn't just dealing with a financial issue. They're navigating uncertainty and the weight of decisions that affect everything they've built.

That's why Waypoint Faro has partnered with The Seeing Being, a holistic coaching practice specialising in intuitive coaching and personal alignment. Jess works with individuals and organisations to reconnect with their instincts, navigate change, and move forward with clarity rather than anxiety.

Together, we address the full picture, the financial and the human. When you can see your numbers clearly and trust your judgment clearly, the decisions you face become a lot more manageable.

Visit The Seeing Being →